Must be eligible for membership and open a share savings account to join RFCU® or to obtain products and services. $5 minimum balance is required to open and be maintained in share savings account. Fees and other restrictions apply. STAR Club available to members 12 years old and younger. Must be parent or legal guardian to open the account and parent or legal guardian must be joint account owner. Some restrictions may apply. A coin counting fee of 4% of total coin over 25¢ applies for non-STAR Club members.
Must be an RFCU member and have a savings account to open a checking account. A $5 minimum balance is required to open and be maintained in savings account. Must not have caused RFCU a loss in order to be eligible to open a checking account. Some restrictions may apply. Must have an active RFCU checking account to participate in Redstone MemberPlus! MemberPlus! Discount not available for all loan products. RFCU is an Equal Credit Opportunity Lender.
Minimum opening deposits, average monthly balances, and monthly checking maintenance fees apply to these checking accounts:
Relationship Checking℠ accounts – $500 minimum initial deposit required to open checking account; $8 monthly checking maintenance fee waived with one Direct Deposit credited to the account per month or an average monthly balance of $500.
Extra Checking℠ accounts – $100 minimum initial deposit required to open checking account; $5 monthly checking maintenance fee waived with one Direct Deposit credited to the account per month or an average monthly balance of $100.
Easy Checking accounts – $3 monthly checking maintenance fee waived with one Direct Deposit credited to the account per month or four or more point of sale (POS) debit card purchases per month.
Gateway Checking℠ accounts – $50 minimum initial deposit required to open checking account; $10 monthly checking maintenance fee applies.
With Redstone CashBack, you will receive: $.05 cash back for every Point of Sale (POS) debit card transaction you complete after the first eight POS transactions per month from an Extra Checking account; or $.05 cash back for every POS debit card transaction you complete after the first four POS transactions per month from a Relationship Checking account. Only active Extra and Relationship Checking accounts in good standing will receive Redstone CashBack rewards. Rewards will only be given for debit card POS purchases after the four or eight per month threshold is met and will not be given for the first four purchases per month for Relationship Checking accounts or the first eight purchases per month for Extra Checking accounts. Rewards will not be given for ATM, cash advance, or balance inquiry transactions.
Fees apply for using Popmoney and vary per checking account type. There is no fee for standard transfers with Extra, Relationship, and Connect; there is a $3 fee for next day transfers with Extra, Relationship, and Connect. There is a $3 fee for standard transfers and a $5 fee for next day transfers with Easy and Gateway. You must be at least 18 years old and have a checking account, online banking, and PIN/password to use Popmoney.
Must have online banking username and PIN/password to access online banking, mobile banking, and bill pay. Must have online banking, mobile banking, and PIN/password to use Remote Deposit Capture. Remote Deposit Capture will be available 90 days after account opening if account is in good standing. Additional qualification times apply for members with Gateway Checking accounts. Standard wireless carrier text message and/or data rates and fees may apply; check with your carrier for more information.
Members with Relationship Checking accounts will receive up to four free boxes of standard checks per year. Free checks not available with other types of checking accounts.
Members with Relationship or Extra Checking accounts will automatically receive the Extra Credit Line of Credit of $250 for Relationship Checking or $100 for Extra Checking if they have had no non-sufficient funds (NSFs) during the first 90 days after the checking account opening date, have not opted out of the Extra Credit Line of Credit, and the Credit Union has received the signed Credit Agreement within 30 days of opening or upgrading the checking account. Must be an RFCU member to obtain a loan. Loans subject to credit approval. RFCU is an Equal Credit Opportunity Lender. Other restrictions may apply.
Fees apply if new select card design is requested for Liberty, Privilege, or Mpower® Checking accounts.
Fees may apply for viewing account balance at some AllPoint ATM locations. There are no surcharges for withdrawing funds from AllPoint ATM locations. Fees for use of foreign or non-proprietary ATMs may apply.
You must have online banking username and PIN/Password to participate in Redstone Rewards. You must have a RFCU Visa debit or credit card to participate in Redstone Discounts!® and Visa Discounts. Restrictions may apply. Rewards and discounts are provided by participating merchants. RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by participating merchants.
There is no minimum balance required to open the “You Name It” Savings Account. The minimum daily balance required to earn dividends and the disclosed APY is $500.00. No dividends will be earned for the length of time your daily balance falls below $500.00.
There is no minimum balance requirement to open or maintain a Christmas Club account or to earn the disclosed APY.
A minimum balance of $2,000 is required to open the Money Market Share, and a minimum daily balance of $2,000 is required to earn dividends. No dividends will be earned for the length of time your daily balance falls below $2,000. The minimum balance for a Money Market tier must be maintained to earn the disclosed APY for that tier.